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Home Insurance in 13684

Our rates are very competitive for homeowners living in the 13684 zip code. Many homeowners based out of Russell, NY have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our NY licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 13684 should appear in the zip code field ready to go.

13684 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Russell area? The average homeowners premium in 13684 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 13684, you can expect to pay around $1016 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 13684

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of New York. Start your 13684 home insurance shopping today!

  1. Russell, NY Home Insurance Quotes

13684 Home Insurance Average Premiums

Local 13684 homeowners insurance quotes comparison

$766 /yr.

Shows Zip Code: 13684 lowest rates with discounts applied on average.

For the 13684, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$766 /yr.
Average Coverage:$1016 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1316 /yr.

What is the average home insurance cost for a home in 13684?

  • • The average homeowners insurance premium paid annually for a home in 13684 is around $1016 per year.

What does it cost on average per month for home insurance in 13684?

  • • Homeowners in 13684 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 13684?

  • • Autoowners in 13684 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Russell area, check out other zip codes nearby 13684.
Review average rates in another zip code:
13684 homeowners insurance rates

Home Replacement Cost Coverage in 13684

Average Building Cost Per Square Foot in 13684: $205

Location: Russell, New York (Saint Lawrence County)

Average Square Footage in 13684: 411 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 13684 before you start any project. Russell homeowners pay on average around $205 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 13684 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 13684 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 411 sq. ft. and the average cost to rebuild the home in this area is around $205 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Russell area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$205411$84,200
Additional Upgrades & Added Features$256411$105,250
Major Home Updates or Advancements$308411$126,300

It's important to understand that when you estimate your replacement cost of your home in the 13684 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 13684

Best Home & Auto Insurance Agencies in 13684

Housing Demographics for 13684

Population Review for 13684 Zip Code

For the city of Russell, the population within 13684 has increased to over 1,100 residents in population size. The current population total is 1,141. We have broken down the population based on race below. In 13684, there are over 608 in male population and 533 females.

PopulationValues
Total Population1,141
White Population1096
Black Population6
Hispanic Population9
Asian Population0
Hawaiian Population0
Indian Population1
Other Population1
Male Population608
Female Population533
Population Estimate1100

Household Data for 13684

The average number of homes in 13684 is around 470, there are an average of 2.43 per household. The average house value according to local real estate values is around $84,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode470
Persons Per Household2.43
Average House Value$84,200
Income Per Household$58125
Median Age45.3
Median Age Male46.2
Median Age Female44.9
13684 DetailsValues
StateNY
State Full NameNew York
City TypeP
City Alias Abbreviation
Area Code315
CityRussell
City Alias NameRUSSELL
CountySaint Lawrence
County FIPS089
State FIPS36
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA32390
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMassena-Ogdensburg, NY
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses7
Number Of Employees60
Business First Quarter Payroll373
Business Annual Payroll2169
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District21
Congressional LandArea15114.76
Delivery Residential453
Delivery Business4
Delivery Total502
Preferred Last Line KeyV15829
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV15829
Land Area162.271000
Water Area1.447000
City Alias Code
City Mixed CaseRussell
City Alias Mixed CaseRussell
Box Count40
SFDU445
MFDU8
State ANSI36
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number357305
Unique ZIP Name
SSA State County Code33630
Medicare CBSA Code99933
Medicare CBSA NameRural Areas in NY
Medicare CBSA TypeMicro
Market Rating Area ID7
County Mixed CaseSaint Lawrence

New York Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]